r/IndiansInUK

I'm in the UK and am pretty certain I'll be moving back to India in about 5 years. Given that timeline, what's the best way to save and invest?
I'll be maxing out my Cash ISA soon. I also have an EMI back in India, which I'll continue paying as usual. I have about 50lakhs worth of loan at 8.25% interest.
I'm unsure about putting money into a Stocks & Shares ISA because I'll eventually be relocating to India, and I'm not sure how practical it'll be to manage or liquidate later. On the other hand, I've stopped investing in the Indian stock market because keeping up with it from the UK has become a bit of a hassle.

So with the excess cash:

1. Do i ensure to close my emi at the earlier timeline?
2. Do i invest in UK stocks and shares isa?
3. Invest in indian stocks and shares?

Also keeping the GBP vs inr value, is it really worth investing in inr ?

What would be my options to consider? Am i missing something out?

Hi, I am (22F) going to Cambridge for 6 months due to some work and it is my first time in the UK, it would be great if the Indians living there can give me some advice/heads-up or some information on cultural differences which could help me in settling in and have a decent stay over there!

Looking for advice on how to save up and invest. I am 32y/F, single, would like your humble opinion and ideas of how to deal with the finances. The expenses that is acceptable per month and how to save it. I might get £5k per month and live in a rented accomodation.
Thanks.

I'm trying to understand what actually works in the real world, rather than relying on YouTube videos or marketing content.

If you've made a similar move, I'd really appreciate hearing about your experience.

Some questions I have:

• Which country are you working in?
• What role did you start with in India?
• How many years of experience did you have before moving?
• Did you move through an internal transfer, direct application, recruiter, or another route?
• Was your CMA qualification recognized or mainly valued alongside your work experience?
• Did you also have CA, ACCA, CPA, CFA, or another qualification?
• How important was ERP experience (SAP, Oracle, Power BI, etc.)?
• If you were starting again today, what would you do differently?

I'm particularly interested in realistic experiences rather than ideal scenarios.

Thanks in advance for sharing your journey.

Same as title.

my_qualifications:

B Engineering (ECE)

CFA Level 1

6 months equity research internship

Planning on getting a front office trader role.

Also my study abroad counselor had suggested UK, Ireland and France.

I did some of my own research and found that in the UK, it is next to impossible to get a work visa.

I also did some digging around and found out Amsterdam, Germany, Denmark, Dubai are a few viable options, after doing my degree in the UK ,since UK universities are in the top 100.

Probably wont go to UK if i don't get into a good enough college.

My friend is in the UK and is willing to send me a parcel to India. I don't want phones or other big electronics.

I'm looking for things that are significantly cheaper or better quality in the UK and worth buying. I'm interested in watches, shoes, bags, jackets, wallets, accessories, or anything else that offers good value and lasts a long time.

What would you recommend, and what have you personally bought from the UK that was worth it?

Hi everyone! 😊
I’m an Indian student currently working on a small academic/project-based research related to **Indian students studying abroad**.
If you are **currently studying or have recently studied abroad (UK / USA / Canada / Australia / Europe)**, I’d really appreciate your help with a **short experience form** (takes **2–3 minutes**).
Completely genuine & academic
**Compensation provided** for your time
No personal or sensitive information asked
If you’re interested, please **comment below or DM me**, and I’ll share the details.
Thank you so much for your time and support! 🙏

Hi guys

I am trying to book a home pick up courier from Pune to uk. Have called several places but either the call gets disconnected or they dont do the home pick ups.

Does anyone have personal experience in arranging this?

It’s basically my child medicine which I am trying to get couriered from India to uk. ( I have the prescription)

Thank you

I really want to move abroad this year and tI have received offer letters from australia for masters in health administration but the total expense of the loan would be around 50k gbp

Now I am reconsidering my decision and thinking of applying in Germany where even in private universities the cost is around 15gbp, and UK because of the intake issue.

The thing is now I'm getting told that Pearson Test of English is not acceptable by embassy for Germany. What shall I do. Please suggest some good options.

Hi everyone, I'm applying for a Standard Visitor Visa for my brother to attend my UK graduation. Worried about finances.

**The Setup:**
* **Me (UK Sponsor):** Income £1.4k–£2k/month. Salary drops into Account A, then I move leftover savings (£500–£2k) to Account B. My tenancy ends Sept 30.
* **Brother (Applicant in India):** Unmarried content creator. High transaction volume (1–2 Lakhs in/out from brand deals), but low closing balance (only ₹30k–₹40k savings). Never filed an ITR.
* **Ties:** Helps father manage 2 acres of family land (we have official land papers).

**Questions:**

1. Will his low balance (₹30k–₹40k) cause an auto-refusal even though I am 100% sponsoring his flights/living?
2. Is a missing ITR fatal if he provides YouTube analytics and brand contracts instead?
3. Will submitting both my UK salary account and savings account confuse the visa officer?
4. Since my lease ends Sept 30, should we just use a refundable hotel booking for proof of accommodation?

Thanks!

Had an appointment at VFS UK for passport renewal a few weeks ago. They did not take my fingerprints/biometrics. Just want to find if it is alright? Thanks

Hey everyone – I had a table for two at Gymkhana for lunch today at 2:15 PM. This was supposed to be a business meeting, but got rescheduled. This is my last day in London on this trip, so I would definitely love to visit. If anyone is interested in joining, happy to take you along. We can go Dutch, or split the bill, whatever works for you :) About me – 27M, based out of NYC, works in tech.

DM if you would like to join

Hey everyone :) My family and I are celebrating my dads 60s with a trip to London. We love indian food, but unfortunately we are all Norwegian living in Norway and the indian food here is pretty bad especially in our village, so we always look for good indian food when we travel.

I am more into south indian food, and my parents are more into north indian food. On top of this we have my sisters youngest child who is extremely picky and has never had any indian food.

Does anyone know of a place that can cater all our needs, that is also a nice place to celebrate his main birthday dinner? Thank you so much!

I'm wondering if I can bet on websites like Bet365, Sky Bet, because I'm worried that my future visa and ILR could be affected

Someone Clarify this, please

Hi Everyone,

I am getting an opportunity from my company to move to London. I have been offered a salary of 120K pounds( this includes a 10k bonus) + Stocks not sure if it's a good salary or not.

How will life change moving to London from Bangalore ( currently i make good salary in India) I am below 30 without any dependents.

Need some guidance on this